For some Americans, their car -- not their home -- is their castle. So having an accident destroys not just the car’s sheet metal, but the owner’s peace of mind. Not to mention the possibility of injury.
The crash will be traumatic enough. But then factor in the confusion, the possible injuries, the inconvenience in time and finding alternate transportation, plus having to deal with insurance companies, and you have a nightmare scenario.
Insurance companies are supposed to represent Your interests. But often they’re out for their own interests. Not all insurance companies are difficult to deal with after an altercation, but many are.
To better deal with insurance companies, be prepared before an accident. Always keep your insurance agent’s card with your proof of insurance. And should you have an accident, exchange contact and insurance information with the other driver. And of course, call your agent at the scene if possible. If the other person does not have insurance, you still need to write down their contact information plus their license plate number and a description of both the accident and the vehicle in which they were driving. If possible, take photographs before you clear your car from the roadway to wait for the police. And do call the police. Once you’ve done that, get a copy of the police report.
Once you’re away from the scene, take your car to a repair shop for an estimate; if possible take the car to more than one repair shop. Also keep track of any other financial losses you incurred, including medical bills or missed work days. Your agent representing you and the other driver will communicate and resolve the issue. If you’re satisfied with the offer, accept it. If not, you have the right to refuse the settlement and to pursue financial compensation through the court system.
The insurance claims process takes a bit of time, since the insurance company will thoroughly investigate your claim. They will gather evidence, establish responsibility for the accident and determine whose coverage will take care of the claim. Either way, depending on your coverage, your company will usually determine the amount of the claim. You’ll then agree on a settlement amount.
In a clear case where you were not at fault, it may be easier – and less costly to your driving record – to work directly through the other driver’s insurance company. Their insurance company will most likely call you and ask your side of the accident. Try to provide limited personal information and resist any push to settle your claim immediately. Remember to take notes during the phone call. From there, you will eventually find yourself in the claim payout portion of the insurance process.
Should you find yourself dealing with an unreasonable claims adjuster, you may want to consult an experienced personal injury lawyer.
